Lokesh Goswami

Results-driven Vehicle Finance professional with 13+ years of progressive experience in Sales, Credit, Collections, Portfolio Management, Dealer Development, and Business Expansion across leading NBFCs and banks. Proven track record of driving revenue growth, managing multi-location operations, leading large-scale sales teams, strengthening portfolio quality, and building profitable dealer networks. Skilled in end-to-end business management including customer acquisition, underwriting coordination, collections strategy, compliance, and P&L ownership.

Seeking a State Head – Vehicle Finance role to lead regional business growth and deliver sustainable profitability.

Area Business Manager - Chola mandalam Investment and Finance Company Limited - UP-4 North

(2025-01)

Region: UP-4 North | Verticals: New CV / UCV / Auto Loan – Sales & Collections

• Lead sales, collections, credit, operations, and legal functions across the UP-4 North region for New CV, Used CV, and Auto Loan portfolios.
• Manage a team of 60+ across 8 branches, with area-level reporting from ASMs, ACMs, ARMs, BBMs, BSMs, BCMs, BRMs, and TIs.
• Oversee a loan portfolio exceeding ₹500 Crore while consistently achieving ₹10–15 Crore in monthly disbursement business.
• Drive regional business strategy, portfolio quality, and cross-functional coordination between sales, credit, and collections teams.

Area Business Manager - Utkarsh Small Finance Bank Ltd

(2021-07 - 2025-01)

• Managed business operations across the assigned territory, leading 5 branches and a team of 12–15 members.
• Directed branch teams to consistently achieve business and collection targets.
• Expanded the dealer network and increased market penetration across the region.
• Monitored portfolio quality and delinquency, improving collection efficiency.
• Strengthened customer acquisition through strategic dealer and channel partnerships.
• Conducted regular performance reviews and mentoring for sales teams.
• Recognized with the Best Performer / Top Sales Award for 3 consecutive years.

Assistant Manager – Sales & Collections - Mahindra & Mahindra Financial Services Ltd

(2018-05 - 2021-07)

• Managed the retail vehicle finance portfolio and strengthened dealer engagement.
• Improved collections and recovery performance while consistently achieving branch business targets.

Business Development Manager – Sales & Collections - Tata motors Finance Solution limited

(2016-11 - 2018-05)

• Drove business development and collections activity for the assigned territory.

Senior Sales Executive – Sales & Collections - IIFL (India Infoline Finance Ltd)

(2015-09 - 2016-10)

• Supported vehicle finance sales and collections operations within the assigned market.

Sales Executive – Sales & Collections - Cholamandalam Investment and Finance Company Ltd (CIFCL)

(2013-04 - 2015-07)

• Began career in vehicle finance sales and collections, building the foundation in customer acquisition and dealer relationships.

MBA - Finance & Marketing Management

B.A. - Dr. Bhimrao Ramji Ambedkar University, Agra (2013)